Date Received: 2022-11-17
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I leased a vehicle with Ally Financial from XXXX XXXX. During this time, I NEVER missed or had a late payment. When I returned the vehicle, they billed me {$510.00} and automatically took out {$280.00} from my account without my approval. When I called to get an explanation of the charges, whomever I spoke with told me that the {$280.00} was for a security deposit, which was never stated on the invoice. I then asked my dealership if they had any idea what this was for, and they told me to not pay anything until they could speak with them. Unfortunately, this was now XX/XX/XXXX, right when everything was shut down because of covid. I didn't hear from Ally or my dealership for over a year. Ally started calling again so I asked them to send me an invoice stating what I owe and why and then I would pay, but they never sent any documents. Eventually, they sent me to collections in XX/XX/XXXX. I paid the collections right away. I then called Ally to dispute the 'late payment ' they have reported to the credit bureau XXXX They refuse to remove the report even though they have on file that it says the invoices were sent to the wrong address. To add to this, they are saying that as of XX/XX/XXXX I still owe the remaining balance, even though I paid the collections bill on XX/XX/XXXX. I called the collections company to confirm and they said that it is paid in full and they will be sending it off to Ally as a dispute. Ally has reported a late payment for XXXX and XXXX, even though this was paid in XXXX! I have been extremely disappointed throughout this entire situation. Not only did they send the documents/invoices to the wrong address so I could never pay the balance, but their system also has still not updated the paid-in-full balance. I still believe the report should be removed, especially given the fact they have yet to update their system for the paid balance. This is one of the worst and most unprofessional situations I have dealt with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: My father passed away and Ally has not picked up the vehicle. I spoke to XXXX ( not sure on spelling ) in XXXX they had not added the paperwork I had sent to the account so that decisions could be made I was assured that there were no fees added to deceased accounts when the vehicle is turned over and I would receive payout after it sold. I decided on doing that due to being in a different state which made it difficult to sell the rv. It is now XXXX I have had to pay insurance and storage fees every month and they have still not recovered the rv. I have spoken to multiple people as well as had a 3 way call with the storages owner. I received a message again from the storage owner saying that she received a call from someone to pick up on Friday but they do not have the paperwork to pick it up I sent this to Ally and have not heard anything back from them. I then received a letter saying that the account had been transferred to a collection agency. It takes hours to get someone on the phone after multiple transfers each time and I get hung up on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49601
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I went to XXXX : company name who I now see is rated F by the XXXX. So I may purchase a vehicle then submitted 1 credit application. They sent out my info to multiple lenders and gave me 6 hard inquiries on my credit without permission. I called all lenders to give a complaint and havent been responded to. XXXX hasent been very helpful. The companies whom hard inquires I did not give permission to are XXXX XXXXXXXX Ally Financial, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally inquired hard on my credit 3x consent wasnt given for any of these.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11706
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I have an auto loan with Ally Financials. Ive fallen behind on payments but have always tried my best to pay something. On XXXX separate occasions, Ally violated the law. Ally financial contacted a family using their skip tracing method to get in touch with me/my husband. I called to let them know to stop because they dont know if the person they are reaching out to us is an ex-family member or not. Ive called on XXXX separate occasions to ask them to only call the number listed on the account and no more skip tracing. Today Ive had enough. They called someone else again, not an authorized person on the loan. - XXXX instance - XXXX instance XX/XX/2022. - XXXX instance XX/XX/2022. - XXXX instance XX/XX/2022.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am writing this complaint because of the extreme difficulty I am experiencing in interacting with Ally Bank to unblock my long-held savings account to allow me to withdraw money from my account. For background, I have banked with Ally Bank for many years, opening my online FDIC-insured high-yield savings account with them in XXXX, so my relationship with the bank is not new. Recently, XXXX XX/XX/XXXX, I attempted to make a large withdrawal via wire from the bank, to send the money to another account I own with a well-known and regulated US brokerage firm. There were problems with the initial wire information I had been given to provide to Ally, which sometimes happens, so I called Ally to resolve it. Not a big deal. On that call, Ally 's customer service was understanding about this and just directed me to give her the updated external account information for where I was attempting to wire funds ( which was to a prominent U.S. brokerage account ). We ended that call positively and I was still able to access my account at that time. However, just after I attempted this wire to withdraw my money from my Ally account, and shortly after I spoke with customer service, Ally suddenly blocked my login and access to my account completely. My account has been blocked for nearly 1 week. I have called their customer service phone number several times now, specifically yesterday and today, waiting on hold for upwards of 1 hour at times, only to be told after many attempts that my savings account is " under review '' with their Fraud department and that it will be up to " 30 days '' before I hear back on whether I get to access my account or not. ( There was some discussion that there may be security issues with the device I am logging in from, however that was strange since I am logging into their systems the same way I have been, using the same devices, and using the same ISPs as I have for the past 2 years since I last moved. There should be nothing to review and I have never heard Ally raise such a security/login concern before. ) I am very concerned that Ally Bank is suddenly blocking my account at precisely the time I am attempting to make my first withdrawal since I opened my account in XXXX. The security concerns they have indicated to me seem to be oddly timed, given that they have never previously blocked my account or raised security issues with the devices I use to login to it online for the past 6 years, but only have raised such a concern within the same week that I attempt to withdraw money from my savings account. I hope you can understand my frustration and suspicions about the timing of the account block that Ally have put in place. I am attempting to move money between two US accounts, both with prominent financial institutions, to accomplish my personal financial goals, and I am being stopped by a regulated bank ( Ally ) and given a strange explanation for it, and a 30-day timeframe for finding out if the account will even be unblocked -- let alone for allowing my withdrawal. This is completely unreasonable. It is quite simply a barrier to withdrawals of deposits that is inconsistent with their status as a savings banking institution that is otherwise solvent. I would like CFPB to look into this, or at the very least, to be aware of this situation in case it is affecting others and raises other regulatory concerns that I may not be aware of myself. I would be unhappy if other American citizens holding protected funds in American banks were placed in my current situation. Thank you for your consideration.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55404
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have to resubmit this claim because it was not properly closed by the company. I called Ally Auto around XX/XX/XXXX and spoke with an agent about creating a deferment since I lost my income but have another job Im about to start. He told me that I would have a payment due XX/XX/30 of XXXX and then XX/XX/30 XXXX. He then told me to try to make a payment within ten days of XXXX. I told him I probably wouldnt be able to make the payment, but asked if it would affect my agreement if I couldnt. He said no thats fine. I then received a letter in the mail stating my agreement was canceled because they didnt receive the XXXX. So I called and told the agent that I had spoken to someone and they said it was fine if I didnt make the XXXX payment. The new agent told me that was incorrect and the first payment wouldve been required. I asked them to listen to the call because an agreement was made on the recorded line and they said they would call me back within 24-48 hours. Instead, I receive ghost calls where they hang up as soon as I answer. Ive sat on hold for hours but only get agents that seem to not be able to hear me or just hang up. Ive tried numerous times to handle this matter with the company directly. Ive tried multiple times to contact the representative. The response I received had absolutely nothing to do with my complaint. My complaint was regarding a recorded phone call where I was told misinformation. I need Ally to listen to the phone call and honor the agreement that was made with me. The representative on the phone clearly stated that I do not have to make the payment within 10 days for the agreement to go into affect. He told me to try to make the payment within 10 days. I responded by saying, if I dont make the payment will my agreement still go into affect? The representative responded saying yes thats correct.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23233
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Ally financial has refused to give me the correct routing information to pay the loan off. Ive sat in my banks office with the branch VP on the phone with Ally and they just keep giving excuses on why they can not give me the routing number, they complain they can not hear me yet Ally is the only place I call where everything is garbled. I just want to pay this loan off, they can not accept a credit card payment large enough to pay it off without me making 3 separate payments over 3 days, all while they still charge interest!!! I have no idea how they are allowed to bully their customers!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70809
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: to whom it may concern. I'm writing looking for relief of an incorrect bad collection account on my credit report. I have no idea who or how it got on my credit, and was not contacted by anyone pertaining to this account if was accurate. account name, XXXX XXXXXXXX XXXX XXXXXXXX date open XX/XX/2022 SAYS : past due as of XX/XX/2022 amount {$1700.00} can you please launch an investigation this is holding me back and may not be accurate. The Fair Credit Reporting Act. 15 U.S.C sec 1681i ( a ) ( 1 ) ( a ) I was pleading for an investigation. thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: A Certified Payment in the amount of {$18000.00} Which was to cover the total balance left on an auto loan agreement that I have with Ally as award me my clean and clear title was received by Ally Executive Offices on XX/XX/2022 receipt # XXXX. However I continue to receive threatening calls and text from their customer service department from a person name XXXX XXXX alleging that I still owed money on the loan. After speaking with Customer Service and demanding that they find my payment. I received a letter a letter from Ally Executive Offices Stating that the matter is under investigation. Nevertheless as of current date I still continue to receive harassing threatening calls in addition I am not in receipt of my clear and clean title despite having already paid this balance in full. At this point it feels as if my payment has been stolen by perhaps an employee at Ally Bank and I am being tricked into paying more money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29115
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please investigate the unverifiable item/account/information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A